"maybe I was not clear. I had not bought the loan from bank B. She had quoted me 5.375% but I knew others were quoting for less. Bank B told me she has competitive rates. I started with Bank A thinking I'll close with Bank A. The builder threw me a curve ball by saying I had to go with their lender. The difference between bank A 5% rate and bank B's 5.375% rate is a $80 difference a month for me. that's $960 a year for 30 years. that's $28800 over the life of the loan. When I told..."    View Post

"can I lock rates over the weekend? do rates change from fri after 5PM to mon morning ?"    View Post

"dang you are such a whiner!!!!!!!!!!!!!! How am I a whiner? I was with bank A. Bank B tells me she could do the loan as promised. this is builder's lender. builder tells me to go with bank B. Comes Monday she tells me she can do the loan but she'll have to charge me extra. so I'm a whiner because I expect not be charged more? Just because Bank B had not locked the rate in doesn't mean they couldn't do your loan bank B could do my loan but she's saying she would have to charge..."    View Post

"ok...here's an update. Friday all this was done. On Monday AM I get an email from the bank B saying I never said I would pay for the $450 you'll just have to eat that cost. So I write back bank B saying yes you did. I asked you 2x and you said not to worry about that. Bank b claims I "mis-understood" her. So now I go back to builder and say crazy bank b said she could do the loan and now she's telling me she can but I'll have to eat bank A's application/survey/committment..."    View Post

"can I somehow change an escrow account to a self escrow account after closing? Meaning...when I purchase a home and sign documents for it to be impounded. Can I now somehow turn around and do no impound without going through a refi?"    View Post